Best Debt Companys

159 Companies 4,021 Real Customer Reviews

#2

Accredited Debt Consolidation

Accredited Debt Consolidation negotiates a consolidated debt amount that is reasonable to pay back.

Our Score
8.6
User Score
9.6

Call now for your free consultation!  1-(855) 281-6216

Our Score
8.6
User Score
9.6
Rank this Company

Ratings Breakdown

Price

monthly service fee
$10-$40

Up-Front Fees

setup & activation fees
$0-$100

Free Consultation

is one included?
Yes

Time in Business

total # of years
11 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
294

This Review is maintained by Chase Sagum

Review Last Updated: November 10, 2018

The Good

  • Program benefits
  • Free consultation
  • Online management
  • Enrollment

Program Benefits

A dedicated debt specialist will evaluate each client’s financial situation and match them with the best debt consolidation program for their needs. These programs provide solutions that allow for better management of all credit obligations. With the Accredited Debt Consolidation program, clients can expect to work towards financial freedom with the following capabilities:

  • Reduction of monthly payment – this is achieved by negotiators working with your creditors to get your monthly payments to a lower, more manageable amount
  • Elimination of multiple creditors – there may be a solution with creditors that allows for complete elimination
  • Lower interest rates – rather than paying obscene credit card debt interest rates, Accredited typically gets rates down to a manageable 7.9 percent
  • Straight-forward bill-paying process – paying back your debt and for debt consolidations services are made easy with online access
  • Avoid delinquencies – no more delinquencies will be reported or reflected on your credit score

Free Consultation

Finding out which company or debt consolidation option is best for your financial situation can be difficult and time-consuming. Accredited Debt Consolidation has found a way to streamline this process by providing free quotes and consultations. By simply calling Accredited at 866-345-5007, prospective clients will be able to go over their specific situation to find out which program will reap the greatest results.

Online Management

Clients are never left in the dark when it comes to what is being done with your case. With an online account, clients will be able to see what stage their negotiations are in and start to see the results of the Accredited team. Accounts can be accessed online, at any time, and from both desktop and mobile devices.

Enrollment

Following the free consultation and subsequent decision to enroll in the Accredited debt management program, the process to get started is relatively simple and fast. Once you sign up, negotiations begin within one to two weeks. Now, that does not mean your debt will be consolidated that quickly, but the program and the work start within the first five to ten business days.

Get started with Accredited Debt Consolidation

The Bad

  • Debt settlement focus
  • Availability

Debt Settlement Focus

There are a number of debt relief solutions associated with the debt consolidation program and debt consolidation loans. However, Accredited Debt Relief typically focuses on providing debt settlement services despite offering various debt relief options including debt consolidation. While this focus does not necessarily mean that they will not provide you with necessary help, it is important to note where the majority of their business comes from.

Availability

The number of current states that Accredited Debt Consolidation can operate in is rather disheartening. At the present time, only eight states have access to the debt consolidation branch of services offered by Accredited. Only residents that live in the following states will be able to use Accredited for debt consolidation: Iowa, Idaho, Indiana, Maryland, Minnesota, Missouri, Montana, and Texas.

The Bottom Line

With Accredited, clients will be able to almost immediately see work being done on their case as they work towards financial freedom. That being said, there are some questions surrounding their accreditations and ability to service a vast majority of the country. For those that live in a state where Accredited debt consolidation operates, it may be worth obtaining a free quote and taking advantage of the free consultation to see if the service fits your specific financial needs.

About Accredited Debt Consolidation Solutions

Accredited Debt Relief works to relieve people of the stress credit card debt and other forms of unsecured debt can cause. The Accredited Debt Relief team will work with creditors on your behalf to consolidate the debt and make it easier to become debt free.

Price

Monthly prices and monthly payment amounts will vary depending on a number of factors. On average, a person can expect to pay anywhere from $10-$40.

Up-Front Fees

Similar to the monthly costs, up-front fees will vary as well. They can cost anywhere from $0-$100.

Free Consultation

Each prospective client will be able to take advantage of a free consultation. During this consultation, it will be determined exactly what Accredited can do for you.

Time in Business

The debt consolidation portion of the business was launched in 2008.

Debt Education

There are both counseling and education services offered.

Cancellation Policy / Money-Back Guarantee

Unsecured vs. Secured Loans

Accredited Debt Consolidation takes on unsecured loans.

Mobile-Friendly Site

Yes, users can access their account through their mobile device.

Contact Information

Phone Number:

866-731-7070

Address: 

591 Camino De La Reina, Suite #818
San Diego, CA 92108

Business Hours:

Monday- Friday: 7:00 AM – 7:00 PM Pacific
Saturday and Sunday 8:00 AM – 5:00 PM Pacific

Services Provided

Debt relief options include: bankruptcy, credit counseling, debt consolidation, debt management, and debt settlement.

Minimum Debt Accepted

Contact Accredited for more information.

Online Dashboard

Yes, there is an online dashboard for clients.

CPFC Certified

Not certified.

ISO Certified

Not certified.

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We'll Introduce you!

Call our recommended rep over at Accredited Debt Consolidation below.

1-(855) 281-6216
Or you can visit their site by clicking here.

294 Accredited Debt Consolidation Reviews

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  1. User Score
    10
    February 13th, 2017
    0 people found this review helpful!
    Everything was covered very well and in a understanding manner for the consumer. I have no complaints
    Read More
  2. User Score
    10
    February 9th, 2017 Peoria, AZ
    0 people found this review helpful!
    AFTER DOING SOME RESEARCH ON THIS JOURNEY I’M ON…I FELT THIS WAS THE BEST COMPANY TO PROCESS ME THRU…I’M STILL IN THE EARLY STAGES OF THIS PROCESS BUT WITH THEIR HELP AND SUPPORT I FEEL I WILL BE GETTING MY LIFE BACK AFTER ALL THESE YEARS OF STRESS AND WORRY OF HOW I WILL BE ABLE TO CONTROL MY SPENDING AND MANAGE MY LIFE BETTER…I WANT TO BE ABLE TO TRULY ENJOY MY RETIREMENT NOT TO FAR AWAY IN THE DISTANT FUTURE…RHE
    Read More
  3. User Score
    9
    February 9th, 2017 Saint Augustine, FL
    0 people found this review helpful!
    Mario was wonderful and patient…
    Read More
  4. User Score
    9
    February 9th, 2017 Kissimmee, FL
    0 people found this review helpful!
    This has been a excellent experience , thank you!
    Read More
  5. User Score
    7
    February 9th, 2017 Salinas, CA
    0 people found this review helpful!
    So far everything is good.
    Read More
  6. User Score
    9
    February 9th, 2017 Newburgh, NY
    0 people found this review helpful!
    my agent Anton knew the answers to all my questions and concerns….he was professional and got everything done in a timely manner…nice working with someone who can get things done right
    Read More
  7. User Score
    10
    February 9th, 2017 Olmsted Falls, OH
    0 people found this review helpful!
    Steve was great, very professional and informative. He answered all of our questions and gave us some good advice. Thanks Steve!
    Read More
  8. User Score
    10
    February 9th, 2017
    0 people found this review helpful!
    John A was a lot of help and very easy to talk about this rough situation I’m in. I’ve been delighted by the experience so far!
    Read More
  9. User Score
    10
    February 9th, 2017 Decatur, GA
    0 people found this review helpful!
    Casey L went above and beyond for me snd explained the program precisely and was very knowledgeable on any questions I had. It is a great pleasure to have such a smooth process that will help my financial situation.
    Read More
  10. User Score
    9
    February 8th, 2017
    0 people found this review helpful!
    Little long on the documents review but John was excellent
    Read More
  11. User Score
    10
    February 8th, 2017 Bronx, NY
    0 people found this review helpful!
    John was amazing today . he helped succeeded my expectations when I initially decided to contact the company this morning. Wonderful job so kind, understanding and helpful
    Read More
  12. User Score
    10
    February 7th, 2017 Stanton, MI
    0 people found this review helpful!
    I submitted I wanted to look into my options for debt consolidation and I immediately got a phone call. Within 3.5 hours they had plans for my debt to be handled within 44 months or less. Thank you for less stress & Great service Ryan Carroll
    Read More
  13. User Score
    10
    February 7th, 2017
    0 people found this review helpful!
    Absolutely phenomenal! Nothing more i could say, nothing better i could ask for then the level of customer service Paul provided
    Read More
  14. User Score
    10
    February 7th, 2017 Los Angeles, CA
    0 people found this review helpful!
    The agent was so helpful. The product was fully explained.
    Read More
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Real Reviews (yes they’re real)

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Our Score
8.6
User Score
9.6
Rank this Company

Ratings Breakdown

Price

monthly service fee
$10-$40

Up-Front Fees

setup & activation fees
$0-$100

Free Consultation

is one included?
Yes

Time in Business

total # of years
11 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
294
Our Score
9.2
User Score
9.4
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Time in Business

total # of years
26 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
425